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  DCU Visa Platinum® Secured Credit Card

DCU Visa Platinum® Secured Credit Card

in Personal Credit Cards from Digital Federal Credit Union

Unaffiliated

DCU Visa Platinum® Secured Credit Card

Unaffiliated

in Personal Credit Cards from Digital Federal Credit Union

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Highlights
Highlights
Community Rating Mostly recommended
Annual Fee $0
Purchase APR  (Variable APR) 13%
Balance Transfer APR  (Variable APR) Starting at 13%
Credit Score Range 300 - 640

DCU Visa Platinum® Secured Credit Card Review

DCU Visa Platinum® Secured Credit Card is a secured credit card credit card issued by Digital Federal Credit Union. 

Secured cards are credit cards that require a refundable deposit before you qualify for a line of credit. These cards are often used to build the credit of consumers with with poor credit or little credit history.

This card is designed for people who have bad credit. The minimum credit score to apply is 300. Digital Federal Credit Union is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit. If you're wondering whether DCU Visa Platinum® Secured Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Is there a DCU Visa Platinum® Secured Credit Card cash back or rewards program?

No, DCU Visa Platinum® Secured Credit Card does not offer a rewards program.

DCU Visa Platinum® Secured Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

What are the DCU Visa Platinum® Secured Credit Card benefits?

DCU Visa Platinum® Secured Credit Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Accident Insurance
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for DCU Visa Platinum® Secured Credit Card?

DCU Visa Platinum® Secured Credit Card has a variable purchase APR of 13%. The card has a variable balance transfer APR starting at 13% .

It also has a variable cash advance APR starting at 13% . Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does DCU Visa Platinum® Secured Credit Card have an introductory APR offer?

No, DCU Visa Platinum® Secured Credit Card does not come with an introductory APR offer for balance transfers. DCU Visa Platinum® Secured Credit Card does not offer an introductory rate on new purchases.
DCU Visa Platinum® Secured Credit Card Rates & Terms
Purchase APR 13%
Balance Transfer APR Starting at 13%
Cash Advance APR Starting at 13%
Penalty APR 18%

What are the DCU Visa Platinum® Secured Credit Card fees?

The following fees apply to DCU Visa Platinum® Secured Credit Card:

  • There is no overlimit fee
    DCU Visa Platinum® Secured Credit Card Fees
    Fees Amount
    Annual Fee $0
    Overlimit Fee $0
    Foreign Transaction Fee 0%
    Returned Payment Fee $0
    Late Payment Fee $35

    Does DCU Visa Platinum® Secured Credit Card have a foreign transaction fee?

    DCU Visa Platinum® Secured Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

    Does DCU Visa Platinum® Secured Credit Card report your account activity to credit bureaus?

    DCU Visa Platinum® Secured Credit Card reports your account activity to the following credit reporting agencies:

    • Equifax
    • Experian

    Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

    How to apply for DCU Visa Platinum® Secured Credit Card

    • Visit the Digital Federal Credit Union website.
    • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
    • Check the information is accurate and submit your application.
    • If you're denied click here to find out why your application may have been rejected and what you can do about it.

    If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
  • Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Returned Payment Fee $0
    No Interest Grace Period for Late Payment 25
    Over-Limit Fee $0
    Minimum Interest Charge $0
    Annual Fee $0
    Foreign Currency Transaction Fee 0%
    No Annual Fee  
    No Foreign Transaction Fee  
    Late Fee Amount $35
    Minimum Age 18
    Co-signing Allowed  
    Credit Score Range 300 - 640
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Customer Type Personal
    Car Rental Insurance  
    Extended Warranty  
    Travel Insurance  
    Lost Luggage Insurance  
    Credit Card Benefits
    • Auto Rental Collision Damage Waiver
    • Extended Warranty Protection
    • Fraud Liability
    • Identity Theft Protection
    • Travel Accident Insurance
    Purchase APR (Variable APR) 13%
    Cash Advance APR (Variable APR) Starting at 13%
    Balance Computation average daily balance (including new purchases)
    Penalty APR 18%
    Balance Transfer APR (Variable APR) Starting at 13%

    DCU Visa Platinum® Secured Credit Card Community Reviews

     
     

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